Just a few comments on various things mentioned in some of these posts, based on my own hvac quest at home..
Mini-Splits have been widely used around the world for many years with great success in many other countrys with old building and stacked housing complexes where there is no way to run ducting or place large indoor and outdoor units.
They have been available in the US as well but seem to be gaining popularity in the recent few years.
As mentioned previously any contractor that says they **** just doesn't sell them, or has never installed them/had any experience with them.
I contacted many local places when I started building my home and garage 4 years ago. I got the same responses. They all said they were junk and would not work. I did find a Mr Slim dealer (they sold conventional as well) that said they haven't sold too many, but the ones they have sold/installed they were very impressed with them and offered up references from a couple clients they had put them in if I wanted. The only problem was it was over $12,000 for 2 Mr Slim systems installed. Out of my range.
I purchased two 24,000btu 2-ton Klimaire's directly from the manufacture for about $1200 each (without electric backup heatstrip option). Complete kits included everything for the install, and they were a breeze to DIY. Even thought the units come precharged with freon, I found a hvac tech on the side to come do the start up ~ vacuum it down, leak test, and check the pressures. The linesets had flared threaded fittings, and there could be a leak, as well as you need to get any moisture out of the lineset before startup. I didn't want to open the valve and find out I had a leak by loosing all my freon and have to pay a tech anyway plus buy more freon.
I opened the outdoor unit up and it has a Toshiba compressor in it, same as alot of the other random brands you see on the internet. Warranty? Well I won't really know until I have a problem, but I figured at $2400 for two systems, I could replace both of them 4 more times before I met the $12,000 price tag of two Mr Slims.. Only time will tell, but for now they work great and I'm satisfied.
And for the Manual J, that was something else I asked about calling around (for the house hvac, not the garage), and it blew my mind how many companies I called and they either didn't know what a Manual J was?! or they gave me some line about 'I've been doing this for 20 years I know what I'm doing and exactly what you need without seeing the home or the prints.' They were very offended that I would ask for such a thing, even though it was a service I would gladly pay for.